Applications / Mortgage Analytics / Lenders / Illinois / St. Charles Bank & Trust Company / Competition
St. Charles Bank & Trust Company
Saint Charles, IL · National bank · OCC · $3.5 billion assets · 87 loans in 2025
St. Charles Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
115
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Who St. Charles Bank & Trust Company competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
St. Charles Bank & Trust Company ranks 280th of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $18.6M lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
St. Charles Bank & Trust Company ranks 416th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $9.0M lent: 0.0% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO UTAH, 2025
St. Charles Bank & Trust Company ranks 134th of 349 lenders in non-metro Utah, with $5.8M lent: 0.1% of a $6.01B market.
non-metro Utah is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MONTANA, 2025
St. Charles Bank & Trust Company ranks 134th of 372 lenders in non-metro Montana, with $3.0M lent: 0.1% of a $3.53B market.
non-metro Montana is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — RIVERSIDE-SAN BERNARDINO-ONTARIO, CA, 2025
St. Charles Bank & Trust Company ranks 412th of 707 lenders in Riverside-San Bernardino-Ontario, CA, with $2.7M lent: 0.0% of a $34.32B market.
Riverside-San Bernardino-Ontario, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
St. Charles Bank & Trust Company ranks 426th of 574 lenders in Sacramento-Roseville-Folsom, CA, with $1.2M lent: 0.0% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — SANTA ROSA-PETALUMA, CA, 2025
St. Charles Bank & Trust Company ranks 209th of 330 lenders in Santa Rosa-Petaluma, CA, with $1.1M lent: 0.0% of a $4.19B market.
Santa Rosa-Petaluma, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO MINNESOTA, 2025
St. Charles Bank & Trust Company ranks 397th of 536 lenders in non-metro Minnesota, with $505K lent: 0.0% of a $5.28B market.
non-metro Minnesota is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Charles Bank & Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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St. Charles Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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